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Program Coverage & Key Benefits

  1. Complete package policy available including Commercial Property, General Liability, Liquor Liability, Auto, Crime, and Inland Marine

  2. Large Excess Limits available

  3. Tee to Green coverage provided for golf course grounds with limits up to $1M for quali ed risks

  4. Coverage available for personal property of members and guests

  5. Coverage provided for Property damage arising from errant golf balls

  6. Limited Pollution coverage provided for Pesticide and Herbicide application to your golf course grounds

  7. Premises Environmental coverage available for sudden and gradual, above and below ground on an all risk basis (separate policy)

  8. Golf Professional Replacement Expense coverage provided

  9. Separate policy available for special events held on your premises

  10. Installments available for accounts that generate at least $2,000 in premium 

Risk Management

Keep costs down by choosing industry specific Safety Programs.

We'll show you how to implement Client Training Services and Risk Management Reporting that get results.

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  • THOROUGH AND OBJECTIVE RISK AND INSURANCE REVIEW PERFORMED BY SEASONED RISK AND INSURANCE CONSULTANTS THAT REPORT TO YOU, NOT US.
  • IDENTIFICATION OF ANY DEFICIENCIES IN COVERAGE AND RECOMMENDATIONS FOR IMPROVEMENT INCLUDING OPPORTUNITIES FOR PREMIUM SAVINGS
  • MANAGEMENT REVIEW OF PROBLEM OR DEVELOPING NEGATIVE CLAIM TRENDS AND METHODS OR PROGRAMS FOR IMPROVING PERFORMANCE
  • A COMPETITIVELY MARKETED INSURANCE PROGRAM PRESENTED IN A NON-NONSENSE FORMAT YOU CAN UNDERSTAND
  • A PLAN FOR MOVING FORWARD INCLUDING THE IMPLEMENTATION OF IMPROVEMENTS
  • AN ANNUAL STEWARDSHIP REPORT ADDRESSING EXPECTATIONS, GOALS, AND PROGRAM PERFORMANCE
  • OPTIONAL COMPENSATION APPROACHES, YOU PICK THE ONE THAT BEST SUITS YOUR NEEDS. 

Coverage Benefits

General Liability 

  • Comprehensive General Liability - limits to $1M per occurrence/$2M aggregate

  • Premises Liability

  • Personal Injury Liability

  • Employee Bene ts Liability

  • Liquor Liability coverage available

  • Special Events coverage available

  • Coverage extended to contracted professionals for additional premium 

    Property

  • Blanket limits with large in-house capacity

  • Special Causes of Loss coverage on buildings, contents, loss of income, and extra expense

  • Coverage extended to include property of customers in your care, custody, or control - $10,000

  • Coverage for outdoor pools and court surfaces

  • Spoilage - $25,000

  • Signs (attached or unattached) - $25,000

  • Fine arts (trophies) - $25,000

  • Business income and extra expense - $100,000

    Crime and Fidelity

  • Employee Dishonesty - $25,000

  • Theft, Disappearance, and Destruction - $10,000 • Forgery or Alteration

    Automobile

  • Owned/non-owned/hired auto

  • Hired car physical damage

  • Rental reimbursement for private passenger vans

    Umbrella/Excess

  • Large Excess Limits available 

    Coverage Enhancements

  •  Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement

    Crisis Management Enhancement Endorsement

  •  $25,000 limit for crisis management emergency response expenses incurred because of an incident giving rise to a “crisis” 

Coverage

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